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    • It's solved Laura.  It's in the paragraph I've highlighted here in the attachment from the IAS. Plus look at page 28 of the PDF of Bank's WS.  There is written - 157 IPS 29/04/2022 12:52 29/04/2022 14:52 YE60PZA 158 IPS 29/04/2022 12:51 29/04/2022 14:51 YE60PZA - there are the two payments. One is for the elderly woman's car. One is for your son's, but with the wrong registration. When I get a second this evening I'll add the exhibits to the WS and it will be finished. IAS adjudicator's report.pdf
    • Speeding "tickets" are not like parking tickets. They cannot be appealed.  No you won't get one of them cancelled. They were two days apart and so will be treated as separate offences. If your speed was 53mph or below you will be offered a course for one of them (cost of about £100 but no points). For the other you will be offered a fixed penalty (£100 and three points). If you want to decline either of those offers the alternative is prosecution in court, where the financial penalty will be considerably higher. Make sure you respond to the "requests for driver's details" within the 28 days allowed. Failure to do so will see you commit a more serious offence which carries a hefty fine, six points, and an endorsement code which will see your insurance premiums double. Also make sure you submit your driving licence details if you accept a fixed penalty.
    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
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1st credit letter can you help me please


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had a letter today from 1st credit bit unsure what to send back is an old old debt was old mbna

 

We write to introlduce 1st credit ltd to you.

 

Mbna eorope bank ltd has assigned to 1st credit finance ltd the full outstanding balance due under the agreement referred to above. As a result of this assignment the full amount outstanding is due to 1st credit ltd immediately.

 

As the outstanding balance is owed to 1st credit ltd ou should not make any payments to mbna as it will take significantly longer to process the payment onto your account to discharge your outstanding balance you now need to make payment direct to the appointed servicing agent 1st credit at the above address

 

we ask you to contact this office immediately so we can agree payment terms with yuou. Failure on your part to do this will result in ore formal recovery proceedings being taken against you.

 

In accordance with the data protection act 1998 we will comply with any request for a copy of the personal information about you that is held on our computer system.

 

Send your request along with the admin fee of 10.00 and a self addressed envelope to the above address

 

 

DO NOT IGNORE THIS LETTER

 

unsure what to send to em to be honest can you please help

 

jx

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had a letter today from 1st credit bit unsure what to send back is an old old debt was old mbna

 

We write to introlduce 1st credit ltd to you. Say thanks for the intro now go away.....

 

Mbna eorope bank ltd has assigned to 1st credit finance ltd the full outstanding balance due under the agreement referred to above. As a result of this assignment the full amount outstanding is due to 1st credit ltd immediately. Send them a CCA request to see if they have the legal authority to be demanding payment

 

As the outstanding balance is owed to 1st credit ltd ou should not make any payments to mbna as it will take significantly longer to process the payment onto your account to discharge your outstanding balance you now need to make payment direct to the appointed servicing agent 1st credit at the above address You do not need to do anything until the above is answered one way or the other

 

we ask you to contact this office immediately so we can agree payment terms with yuou. Failure on your part to do this will result in ore formal recovery proceedings being taken against you. The fools wont do anything other than send out more threatograms.

 

In accordance with the data protection act 1998 we will comply with any request for a copy of the personal information about you that is held on our computer system. I bet they dont have a CCA though :D

 

Send your request along with the admin fee of 10.00 and a self addressed envelope to the above address You only need to send £1 for the CCA request & do not send the cheeky sods an SAE

 

 

Send them an anti harrassment warning letter as well ;)

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hello there just looked at my credit file and states D sept 03

 

should this have come off my credit file now?? but 1st credit have 15 oct o3 on my credit file

 

what should i do next cca letter ready to go but a bit unsure of what else to send dont want to shoot myself in the foot

 

jx

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are they allowed to do this sell a disputed account on to another company??

 

jx

No, but this does not stop them doing it. Crafty people, this is most like 1st credit though. Have Connaughts claimed to have purchased the debt?Watch Connaughts do not default you again. Really they are a close relative of 1st Credit. Keep your credit file info as this is iron cast proof that the default was recorded once and cannot be recorded as such by Connaughts again. The credit reference agency will not allow it once you have enlightened them this has happened. You can consider writing to Trading Standards, your local branch, that sale or transfer, of a disputed account has taken place.

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had another letter from them this morning with an annual statement, they are deffo trying to get through to me this time

 

 

so hard keeping my mouth firmly shut and not contacting them back roll on the 16th please hurry up

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had another letter from them this morning with an annual statement, they are deffo trying to get through to me this time

A good sign, this usually means they have sod all else. They are hoping to blag you by the sound of it.

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Once it falls off your record, it means that six years have passed since it was posted, if no acknowledgement nor payment have been made since the first date, then they are out of time and cannot legally demand payment, nor seek to enforce the debt in any way. and no,they cannot reissue the default, nor mark your credit file in any way

 

This doesn't mean that they won't try, but once you advise them that the debt is now statute barred they should go away.

 

For the Record 1st Credit aren't just associated with Connaught, they own them, Connaught and 1st Credit are one and the same. I got this in writing from both Connaught and 1st credit after making complaints through Trading Standards

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  • 2 weeks later...

Photocopy your copy of the default being recorded as 15 October 2003, enclose photocopy and write to the CRA asking them to remove the default. It may just be they update on a monthly and not a daily basis so that it would still be showing. This will alert the clerical staff at the CRA that any attempt to reinsert the default by Connaughts or 1st Credit is dodgy.

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